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<br />LOAN #s 0279075279
<br />14. Loan Charges. Lender may charge Borrnwer fees for services performed in cnnnection with Borrower's default,
<br />for the purpose af protecting Lender's interest in the Property and rights under this Security Instrument, including, but
<br />nat limited to, attorneys' fees, property inspection and valuation fees. {n regard to any ather fees, the absence of express
<br />authority in this Security Instrument to charge a specific fee to Borrow�r shall not be construed as a prohibition on the
<br />charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by
<br />Applicable Law.
<br />If the Loan is subj�ctta a lawwhich sets maximum loan charges, and that law is finaliy interpreted so that the interest
<br />or other loan charges collected or to be callected in cannection with the Loan exceed the permitted limits, then: (a} any
<br />such Ioan charge shall be reduced by the amaunt necessary to reduce the charge ta the permitted limit; and (b� any
<br />sums alrEady collected from Bvrrowerwhich exceeded permitted limit5 will be refunded to Borrower. Lender may choose
<br />ta makethis refund by reducing the principal nwed under the Note or by making a direct payment to Borrawer. If a refund
<br />reduces principal, the reduction will be treated as a partial prepaymentwithaut any prepayment charge (whether or not
<br />a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund mad� by direct
<br />payment to Borrower will constitute a waiver of any right of actian Borrower might have arising out pf such overcharc�e.
<br />15. Notices. All notices given by Borraw�r or Lender in connection with this 5ecurity Instrument must be in writing.
<br />Any natice ta Borrower in cannection with this Security Instrument shall be deemed to have been given to Borrower when
<br />mailed by first class mail or when actually delivered to 6orrower's nntice address if sent by other means, fVotice ta any
<br />one Barrower shall canstitute notice tv all Borrowers unless Applicable Law expressly requires otherwise. 7he notice
<br />address shall be the Property Address unless Barrower has designated a substitute notice address by natice ta Lender.
<br />8orrower shall promptly notify Lender of Barrower's change of address. If Lender specifies a procedure for reporting
<br />Barrpwer's change of address, then Borrower shall anly r�port a change of address through that specified procedure.
<br />There may be only ane designated notice address under this Security Instrument at any one time. Any notice to �.ender
<br />shall be given by delivering it ar by mailing it by first class mail to Lender's address stated herein unless Lender has
<br />designated another address by notice to �orrower. Any nntice in connection with this Security Instrument shall not be
<br />deemed to have been given to Lender until actually received by Lender. lf any notice required bythis Security Instrument
<br />is also required under Applicable Law, the Applicable l.aw requirementwill satisfy thecorresponding r�quirement under
<br />this Security Instrument.
<br />16. Governing Law; Severability; Rules of Constructivn. This Security Instrument shall be gaverned by federal
<br />law and the law of the jurisdiction in which the Praperty is located. All rights and obligations contained in this Security
<br />Inskrumentare subjectto any requirements and limitations af Applicable Law, Applicable Law mightexplicitly or implicitly
<br />allow the parties to agree by cvntract or it might b� silent, but such silence shall not be cvnstrued as a prohibition against
<br />agreement by contract. In the event that any provision or clause of this Security Instrument or the Nate conflicts with
<br />Applicable Law, such conflict shall not affect other provisions of this 5ecurity Instrument or the Note which can be given
<br />effect without the conflicting pravision.
<br />As used in this Security Instrument: (a) watds ofthe masculine gender shall mean and include corresponding neuter
<br />words or words of the feminine g�nder; (b) word5 in the singular shall mean and include the plural and vice versa; and
<br />(c) the word "may" gives sale discretion without any abligation tv take any actian,
<br />17. Borrower's Cnpy. Borrawer shall be given one copy of the Note and of this Security Instrument.
<br />18. Transfer of the Property or a Beneficial Interest in 8orrower. As used in this Section 18, "Interest in the
<br />Property" means any legal or beneficial interest in the Property, including, but not limited t�, those beneficial interests
<br />transferred in a bond for deed, contract for deed, installment sales contract vr escrow agreement, the intent of which
<br />is the transfer af title by Borrower at a future date to a purchaser.
<br />If aH or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural
<br />person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may
<br />require immediate payment in full of all sums secured by this Security Instrument. However, this option shall nnt be
<br />exercised by Lender if such exercise is prohibited by Applicable Law,
<br />If Lender exercises this option, Lender shall give E�orrower nntice of acceleration. The natice shall provide a period
<br />nf not less than 3p days from the date the notice is given in accardance with 5ection 15 within which Borrower must pay
<br />all sums secured by this Security Instrument. If Borrvwer fails to pay these sums prior to the expiration of this period,
<br />Lender may invake any remedies permitted by this Security Instrument without further notice or demand on Borrower.
<br />19. Borrawer's Right to Reinstate After Acaeleratlon. If Borrower meets certain cpnditions, Borrower shall have
<br />the right to have enforcement of this Security Instrument discantinued at any time prior ta the earliest of: (a) five days
<br />befvre sale of the Praperty pursuant ta any power af sale contain�d in this S�curity Instrument; (b) such other period
<br />as Applicable Law might specify for the termination of Borrower's right ta reinstate; or (c) �ntry of a judgment enforcing
<br />this Security Instrument, Those conditions are that Borrawer: (a) pays Lender all sums which then would be due under
<br />this Security Instrument and the Nate as if no acceleration had occurred; (b) cures any default of any other cnvenants
<br />or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to,
<br />reasanable attorneys' feea, property inspection and valuation fees, and otherfees incurr�d for the purpose af protecting
<br />l�.ender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may
<br />reasanably require ta assure that Lender's interest in the Prnperty and rights under this Security Instrument, and
<br />Borrawer's obligatian to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may
<br />require that Borrower pay such reinstatement sums and expenses in vne or mnre of the fallowing forms, as selected
<br />by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided
<br />any such check is drawn upon an institutian whose deposits are insured by a federal agency, instrumentality or entity;
<br />or (d) Electronic �unds Transfer. Upon reinstatement by Barrower, this Security Instrument and obligations secured
<br />hereby shall remain fully effective as if no accel�ration had occurred, However, this right ta reinstate shall not apply in
<br />the case of acceleration under Sectivn 18.
<br />20. Sale of Nate; Change of Loan ServiGer; Notice of Grievance. The Nate or a partial interest in the Note
<br />(together with this Security Instrument) can be sold on� or more times withaut priar notice to Borrower, A sale might
<br />result in a change in the entity (known as the "Lvan Servicer") that collects Periodic Payments due under the Note and
<br />this S�curity Instrument and performs ather mortgage loan servicing obligatipns under the Note, this 5ecurity
<br />Instrument, and Applicable �aw. There also might be one ar more changes af the Loan Servicer unrelated to a sale of
<br />the Note. If there is a change of the Loan 5ervicer, Giarrower will be given written notice of the change which will state
<br />the name and address of the new Loan Servicer, the address to which payments should be made and any ather
<br />NEBRASKA--Single Family--Fannie Mae/Freddle Mac UNIFORM INSTRUMENI' Form 30281/oi Initials s �
<br />� 1999 pnline Documents Inc. PBge 7 Of 9 EDEED 0705
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